All Posts By Spectrum Insurance Group

Life insurance can be complicated, with so many words thrown about like “Riders” and “term” and “variable”. If you have a family there are even more things with which to concern yourself, like coverage for kids and a spouse. Thankfully, once you understand the basics, it becomes much easier to decide on a family life…

There are many different types of kidney disease. With this pervasive and sometimes life-threatening illness group, it can be difficult to find life insurance for dialysis patients. But defining the illness type and its prognosis will let the agent know what is insurable and what is not an insurable kidney problem. A surgery, like donating…

Below you will find important information about Cincinnati Life Insurance Company. Company history. Types of life insurance policies they offer. Underwriting requirements & classes. Sample quotes for term life insurance. About Cincinnati Life Insurance Company The Cincinnati life insurance company has been listed among the top US life insurance providers. They have a high Financial…

Want to know if you can qualify for life insurance without a medical exam? What about if you’ve had cancer? Maybe you have pre-existing medical conditions. If any of these are your concerns, there are life products designed for you. They are commonly known as no medical exam life insurance policies, and the official term…

The Pew Research Center reports that 60% of American households, with children under the age of 18, have two full-time wage earners. Most U.S. families rely on multiple incomes simply to juggle all their modern expenses. However, recent reports state 7 out of 10 American households still do not have enough available funds to cover…

If you or a business partner pass away, it could be devastating for your employees who depend on you and the company you worked so hard to build. When you enter into a business partnership, it is important to stay protected and you can do this in a variety of ways. You can protect you…

People over the age of 50 need life insurance for many reasons. Even after the age of 65, life insurance might still be necessary to offset medical expenses, long term care, a mortgage, business loan, or supplement a retirement plan proving insufficient. One questions pertaining to life insurance for people over age 50 we recieve…

Are you looking for the best life insurance for diabetics? In this guide, we’ll show you the top 3 life insurance companies for people with diabetes, sample rates, and what you can do to reduce your cost of life insurance as a diabetic. Whether you need burial insurance, term life insurance or whole life insurance…

As an active duty member of the military your needs are taken care of by the government including access to Affordable life insurance not just for yourself but for your family. But as you make the transition to civilian life you will have to work out a new life insurance policy. The military offers life…

Choosing the best type of life insurance for your needs is an important part of financial planning. If you’re new to the world of life insurance, it can be overwhelming. Not sure how to choose the right type of life insurance policy? This comprehensive guide starts with the basics (life insurance for dummies) and goes into…